Senior Software Engineer, Banking Connectivity

At Ripple, we’re building a world where value moves like information does today. It’s big, it’s bold, and we’re already doing it. Through our crypto solutions for financial institutions, businesses, governments and developers, we are improving the global financial system and creating greater economic fairness and opportunity for more people, in more places around the world. And we get to do the best work of our career and grow our skills surrounded by colleagues who have our backs. If you’re ready to see your impact and unlock incredible career growth opportunities, join us, and build real world value. THE WORK: Ripple is building the infrastructure that moves money globally. Our products power cross-border payments, institutional crypto liquidity, digital asset custody, and our enterprise-grade stablecoin (RLUSD). In this role, you will work on one of the most critical layers of that infrastructure, Bank Integrations. This platform sits at the boundary between Ripple and the global banking system. It is responsible for ensuring that all data exchanged with external financial institutions is correct, reliable, and continuously available. This powers both real-time payment flows and downstream reconciliation. You will be working on a production system that integrates with banking partners through a range of interfaces. These systems must operate reliably despite real-world constraints such as inconsistent data, delayed responses, and partial failures, while ensuring that high-integrity financial data is correctly distributed across internal systems. Your work will focus on scaling integrations while improving the system’s resilience, observability, and overall structure. You will play a key role in evolving the platform to support new banking partners, products, and regulatory requirements, whilst addressing technical debt that impacts reliability and delivery speed. We are looking for a software engineer who is motivated to understand complex financial flows, and takes a pragmatic and focused approach to building systems that behave predictably in production. Your decisions will directly influence how money moves through the system. WHAT YOU’LL DO: • Own and evolve mission-critical bank integrations that power Banking Connectivity and money movements at scale • Develop a deep, end-to-end understanding of payment and banking data flows across internal systems and external partner banks • Design and deliver testable, resilient, and observable systems that operate under real-world banking constraints • Collaborate with product, operations, and external partners to unblock integrations and accelerate delivery • Improve system quality through pragmatic enhancements in observability, testing, and resilience. This is a high-impact role. WHAT YOU'LL BRING: • Experience building and supporting reliable backend systems with external integrations (APIs, webhooks, polling, file-based flows) • Strong Java experience, including concurrency, handling failure and edge cases (idempotency, deduplication, delivery guarantees) • Solid ability to reason about distributed / async flows and backend stacks (AWS, gRPC, RDS, AMQP or similar) • Self-directed and strong ownership mindset • Comfortable using AI-assisted development tools while maintaining quality and safety WHO WE ARE: Do Your Best Work • The opportunity to build in a fast-paced start-up environment with experienced industry leaders • A learning environment where you can dive deep into the latest technologies and make an impact. A professional development budget to support other modes of learning. • Thrive in an environment where no matter what race, ethnicity, gender, origin, or culture they identify with, every employee is a respected, valued, and empowered part of the team. • In-office collaboration for moments that matter is important to our culture, and we give managers and teams the flexibility to decide which 10+ days a month they come in. • Bi-weekly all-company meeting - business updates and ask me anything style discussion with our Leadership Team • We come together for moments that matter which include team offsites, team bonding activities, happy hours and more! Take Control of Your Finances • Competitive salary, bonuses, and equity • Competitive benefits that cover physical and mental healthcare, retirement, family forming, and family support • Employee giving match • Mobile phone stipend Take Care of Yourself • R&R days so you can rest and recharge • Generous wellness reimbursement and weekly onsite & virtual programming • Generous vacation policy - work with your manager to take time off when you need it • Industry-leading parental leave policies. Family planning benefits. • Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events Benefits listed above are for full-time employees. Ripple is an Equal Opportunity Employer. We’re committed to building a diverse and inclusive team. We do not discriminate against qualified employees or applicants because of race, color, religion, gender identity, sex, sexual identity, pregnancy, national origin, ancestry, citizenship, age, marital status, physical disability, mental disability, medical condition, military status, or any other characteristic protected by local law or ordinance. Please find our UK/EU Applicant Privacy Notice and our California Applicant Privacy Notice for reference.